Saga Guaranteed Life Insurance. Your Policy Provisions

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1 Saga Guaranteed Life Insurance Your Policy Provisions

2 Saga Guaranteed Life Insurance is provided by VitalityLife. Contents 1. General description 2. Policy conditions 2.1 Definitions 2.2 Policy duration 2.3 Termination of the policy 2.4 Payment of premiums and cancellation for non-payment 2.5 Surrender value 2.6 Recipient of the guaranteed cash lump sum 2.7 Life Cover 2.8 Ways in which we may change the cover 2.9 What if you provide us with inaccurate or incomplete information? 2.10 Cooling off 2.11 Cancellation 2.12 Notice of assignment, assignation or charge 3. Maximum payments 4. How to make a claim 5. Complaints 6. General 6.1 Funeral Benefit option 6.2 Electronic information 6.3 Data Protection Notice 6.4 Compensation 6.5 Prevention of financial crime 6.6 Law and interpretation 2

3 1. General description This document provides details of your Saga Guaranteed Life Insurance policy, which is provided by VitalityUK Group, trading as VitalityLife, who administer and service your policy. Details of your policy are also included in the schedule, which, together with these policy provisions, form the terms of the contract between: us, The Prudential Assurance Company Limited, who underwrite your policy; VitalityUK Group, who administer and service your policy; and you, the policyholder named in the schedule. This contract is entered into on the basis of the application and declaration made to us by you and our acceptance of that application. We will provide cover to you as shown in the schedule on the terms set out in this document subject to your payment of the premiums as set out in the schedule. The payment of claims made under this cover is conditional upon it being proved to our satisfaction that: a) the event on which the guaranteed cash lump sum is to become payable (as specified in these policy provisions) has occurred, b) your date of birth, gender and smoker status are as shown on the schedule, c) the claimant(s) is/are legally entitled to the policy proceeds, d) the policy is still in force, e) you were a resident in the UK on the date of application. 2. Policy conditions 2.1 Definitions The following words and expressions shall have the following meanings when used in the policy: Accidental death This will have occurred if you sustain bodily injury caused by an accident which, solely and independently of any other cause, results in death; and death occurs within 90 days of that accident. Accident Means a sudden and unexpected event which causes you visible, violent and external bodily injury and which happens after the policy start date. For the avoidance of doubt, suicide, attempted suicide or self inflicted injury leading to death will not be considered to be an accident. Bodily injury Means injury to your body (excluding sickness, disease or any degenerative process) resulting from external, violent and visible means. Us, we or our Means The Prudential Assurance Company Limited. Guaranteed cash lump sum Means the amount shown in the schedule, which is the guaranteed cash lump sum we have agreed to pay in respect of a valid claim under this policy. 3

4 You or your Means the person named as the policyholder in the schedule or his successors in title or assigns. Policy Means the life policy that is comprised of: a) the schedule; b) these policy provisions; and c) any endorsements to these policy provisions and/or to the schedule. Policy provisions Means the provisions of this document, which set out the contractual terms related to the operation of the policy. Policy start date Means the date the policy starts as stated in the schedule. Premium Means the monthly premium amount, as specified in the schedule, that you are required to pay to us in return for the cover provided by the policy. Schedule Means the schedule, which has been enclosed with these policy provisions, which specifies certain details specific to this policy, including but not limited to your identity, the guaranteed cash lump sum and the premium. UK Means the United Kingdom of Great Britain and Northern Ireland. For the avoidance of doubt this excludes the Channel Islands and the Isle of Man. 2.2 Policy duration Provided that the policy is not cancelled, allowed to lapse or otherwise terminated in accordance with its terms, the policy will continue in force until your death. 2.3 Termination of the policy The policy shall be terminated, and the cover under the policy shall therefore cease to be available, in the event that: a) the policy is cancelled under the terms of these policy provisions (including, for example, under clauses 2.4(d), 2.8, 2.10 or 2.11); or b) the guaranteed cash lump sum or a repayment of premiums has been paid in accordance with clause

5 2.4 Payment of premiums and cancellation for non-payment The availability of cover under the policy is conditional upon your payment of premiums to us, in accordance with the terms of these policy provisions. In particular: a) The initial premium due from you under this policy is payable on the policy start date. b) Premiums shall be due and payable by you, by Direct Debit on the dates specified in the schedule. c) 30 days of grace are allowed for the payment of premiums following the due date for such premiums. If a valid claim arises within the days of grace, any outstanding premiums will be deducted from any guaranteed cash lump sum paid under this policy. d) If any premium is not paid within the days of grace, the policy shall be cancelled immediately upon the expiry of the final day of grace and all benefits under this policy will cease. Consequently, no guaranteed cash lump sum will be payable on your death. Please see provision 2.5 for further details. e) Premiums are payable until your policy anniversary on or after your 90th birthday. After such time they shall cease to be payable. Please see clause 2.5 for further details. f) Provided that you have paid all premiums up until your death, the guaranteed cash lump sum will be payable upon a valid claim following your death. g) All payments under this policy at any given time, including all premiums and all payments to be made by us (including the guaranteed cash lump sum), are payable in the currency applicable at that time in the jurisdiction in which our head office is located. As at the policy start date, the applicable currency is pounds sterling. 2.5 Surrender value This policy does not have a cash value. This means that if you cancel your policy or stop paying your premiums before your policy anniversary on or after your 90th birthday, you will get nothing back and no guaranteed cash lump sum will be payable on your death. 2.6 Recipient of the guaranteed cash lump sum Upon receipt of a valid claim under this policy, we will pay the guaranteed cash lump sum (or refund of premiums pursuant to clause 2.7(b)) to the person who is legally entitled to receive it as part of your estate. On the basis that the guaranteed cash lump sum is payable under this policy only upon your death, we will typically make the payment to your personal representatives or any person to whom the benefit of the policy is assigned. The guaranteed cash lump sum payable may be subject to inheritance tax, unless you write your policy in trust. If you wish to do so, please seek professional advice in this respect. 2.7 Life Cover Death following first 12 months: a) If you die on or after the first anniversary of the policy start date, by any means, then subject to clause 2.9, the guaranteed cash lump sum will be payable to those legally entitled to receive it. Death during first 12 months: b) If you die before the first anniversary of the policy start date, by any means other than accidental death, payment is limited to a full refund of all premiums paid and will be payable to those legally entitled to receive it. The guaranteed cash lump sum will not be payable in such circumstances. c) If you die before the first anniversary of the policy start date as a result of an accidental death, then subject to clause 2.9, the guaranteed cash lump sum will be payable to those legally entitled to receive it. 5

6 2.8 Ways in which we may change the cover Notwithstanding anything in these policy provisions, we reserve the right to alter the policy to the extent we consider is reasonably required or appropriate to take account of any: a) change in legislation; b) change in taxation; or c) judicial decision or any interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person affecting the policy or us. We will give you written notice of any such alteration and will act fairly and reasonably when effecting the change. 2.9 What if you provide us with inaccurate or incomplete information? If your date of birth or smoker status has been incorrectly stated, any amount payable under this policy may be adjusted to reflect the correct details. If the true date of birth is such that, at the time of issue of the policy, you would have been outside the age range to whom the policy is available, we may cancel the policy and no benefit will be payable. (In such circumstances, the premiums paid prior to such cancellation may be refunded.) You should take reasonable care to answer any questions asked by us honestly and truthfully and to the best of your knowledge and belief. If you do not answer questions honestly and to the best of your knowledge and belief, this could lead to your policy being cancelled, or to your claim being rejected or not fully paid Cooling off You have 30 days in which to change your mind about whether to continue with the policy. You should notify us within those 30 days in the event that you do not want your policy to continue. The 30 days cooling-off period starts from the later of the following: a) the policy start date; or b) your receipt of the policy schedule and policy provisions. If you cancel during this cooling-off period, you will receive a full refund of any premiums paid prior to the point of cancellation Cancellation You are free to cancel the policy at any time by contacting our customer services team. We may cancel the policy during the term if you fail to meet your obligations, as set out in the policy provisions and the schedule. Immediately upon cancellation, the policy and the availability of benefits under the policy shall cease and we shall have no further obligation to make any payments in respect to your policy. Please see clause 2.5 for further details. 6

7 2.12 Notice of assignment, assignation or charge You must send written notice of any assignment or assignation in relation to the policy, or any charge levied against the policy, or of any other document that changes who is entitled to the benefits payable under the policy, to us at the following address: Saga Guaranteed Life Insurance VitalityLife Stirling FK9 4UE The change of entitlement will not take effect until we receive a valid notice of assignment, assignation or the charge containing all necessary details of such change. 3. Maximum payments You can have more than one policy as long as the total of all the premiums added together does not exceed 50 a month. 4. How to make a claim In the event of your death, a claim can be made in writing to us at, Saga Guaranteed Life Insurance, VitalityLife, Stirling FK9 4UE or by telephone on In order to assess any claim, we will require: a) your name and date of birth; b) a copy of the schedule to be returned to us; and c) the original death certificate. It is important that you keep these policy provisions safe and let your next of kin know where to find them. From the date of death to when the payment is made we will add interest to the guaranteed cash lump sum paid out. The rate of interest used to calculate this amount will be the Bank of England base rate. 5. Complaints We want to deal with your concerns fairly, effectively and promptly. They can be made in writing, by or by phone at the following contact addresses and numbers: Customer Services Department Saga Guaranteed Life Insurance VitalityLife Stirling FK9 4UE Telephone: Calls may be recorded/monitored to help improve customer service. 7

8 A summary of our complaints process is available by calling the above number. Complex complaints may take some time to investigate. We will keep you informed of the progress made to resolve your complaint. If we have not resolved your complaint within 8 weeks of receiving it we will send you: a) a letter explaining why we have not done this and confirming when we will contact you again; and b) details of your right to refer your complaint to the Financial Ombudsman Service, if you are eligible to do so. If you are dissatisfied with the outcome of your complaint, you can ask the Financial Ombudsman Service to consider your complaint. You can contact them at: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: Your legal rights will not be affected if you make a complaint to the Financial Ombudsman Service but are dissatisfied with and do not accept the findings of their review. Calls may be monitored and recorded for quality and security purposes. 6. General 6.1 Funeral Benefit option VitalityLife will introduce customers who select the Funeral Benefit option to Golden Charter. Golden Charter is a registered provider with The Funeral Planning Authority. 6.2 Electronic information If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider. 6.3 Data Protection Notice We think it s important for all our customers to be made aware of what information VitalityLife as part of the VitalityUK Group holds about them and to reassure our customers that we comply with the Data Protection Act How we use your personal information VitalityLife will use your personal information (including information provided about your dependants) to underwrite, administer, profile your purchase preference and service your policy. By taking out a policy with us, you consent to us using your personal information and sensitive personal information (e.g. health information). We will also use your information for statistical data analysis, management information and financial crime prevention purposes. *VitalityUK Group is fully owned by Discovery Holdings Limited in South Africa. The VitalityUK Group includes Vitality Health Limited, Vitality Health Insurance Limited, Vitality Corporate Services Limited and Vitality Life Limited trading as VitalityHealth and/or VitalityLife. 8

9 Who we may give personal information to We may disclose your personal information to other companies in the VitalityUK Group, the Saga and Acromas groups and our agents or service providers for the purposes above. Your information may be used by service providers in a country outside the European Economic Area, which may not have the same standard of data protection as in the UK. We will ensure appropriate safeguards are in place to protect your information. Your personal information may be used by the Saga and Acromas groups for administrative purposes, in the preparation of quotes and to inform you of other products and services by letter, SMS, telephone and/or , unless you contact them and inform them to the contrary. If you wish to opt out, please visit: We will pass your personal information and information about your policy to any legal or regulatory body if required to do so. We may also use your information or give it to others, for research, statistical purposes or to improve our services, but we will remove your name and address from this first. We may send copies of correspondence relating to your policy to your Financial Adviser, if you have appointed one. We may provide information about a claim to them, although no medical information will be provided without your consent. When giving us information about another person, you confirm that they have appointed you to act on their behalf. This includes providing consent to process the personal information, receive this Data Protection Notice on their behalf and, unless you decide otherwise, receive marketing information. Your information, and that of others also covered by the policy, may be given to other parties (for example, other insurance companies) with a view to preventing fraudulent or improper claims. Our marketing policy Under our arrangements with Saga, VitalityLife will not be sending you any marketing communications. Obtaining a copy of the information we hold about you You have the right to obtain a copy of your personal information held by us (for which we may charge a fee) and to have any inaccuracies corrected by writing to the Data Protection Co-ordinator at VitalityLife, Marshall Point, 4 Richmond Gardens, Bournemouth BH1 1JD. Disposal of information We will continue to hold information about you and your policy for a reasonable period of time after it has ended. We will then dispose of your personal information in a responsible way to maintain your confidentiality. Changing this Data Protection Notice This Data Protection Notice may change from time to time and you should review the contents regularly. We will notify you of any changes where we are required to do so by law. 6.4 Compensation If we are unable to meet a valid claim you may be able to get help from the Financial Services Compensation Scheme. For non-compulsory Insurance the scheme pays 90% of the total that the policy would have paid. For more information, visit the Financial Services Compensation Scheme website Please note that you may have a right to compensation if the Financial Conduct Authority or another governmental or judicial authority decides that you have bought a policy in which the information provided by us was incorrect or misleading and resulted in financial loss. Please contact us on for more information. Calls may be recorded/monitored to help improve customer service. 9

10 6.5 Prevention of financial crime If any claim under this policy is made dishonestly, all benefits paid or due in respect of that claim will not be made or will be recoverable by us. Failure to disclose material information could result in the policy being cancelled. We also reserve the right to take appropriate legal action and/or to refer the matter to the police to seek criminal prosecution. Information relating to such matters may be disclosed to others with a view to preventing financial crime or improper claims. 6.6 Law and interpretation a) This policy shall be governed by and construed in accordance with the laws of England and Wales and will be subject to the exclusive jurisdiction of the English Courts. b) The paragraph headings in these policy provisions are for convenience only and do not form part of the policy itself, nor do they affect its construction. c) A person who is not party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any terms of this policy. d) Unless the context otherwise requires, words implying the singular shall include the plural and vice versa, and words implying the masculine shall include the feminine and vice versa e) References to any statute or provisions of any statute shall be deemed also to refer to any subsequent amendments or re-enactment of such statute and shall include any orders, regulations, instruments or other subordinate legislation made under the relevant statute. 10

11 11

12 Helplines (Please have your policy number to hand when calling) Claims Saga claims helpline am 6.30pm Monday to Friday Customer Service Saga customer service am 6.30pm Monday to Friday Calls may be recorded/monitored to help improve customer service. Saga Personal Finance is a registered trading name of Acromas Financial Services Limited ( AFS ), which is authorised and regulated by the Financial Conduct Authority. AFS is registered in England and Wales (registered no ). Registered office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Saga Guaranteed Life Insurance is underwritten by The Prudential Assurance Company Limited (registered no ), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and provides and manufactures benefits under the plan. The plan is administered by Vitality Corporate Services Limited (registered no ), trading as VitalityLife, which is authorised and regulated by the Financial Conduct Authority, and distributes and services the product and issues the documentation. Both companies are registered in England and Wales, Registered office at 3 More London Riverside, London SE1 2AQ. VitalityLife will introduce customers who select the Funeral Benefit Option to Golden Charter. Golden Charter is a registered provider with The Funeral Planning Authority. CSL-AF0548v1 PRUPT /2015

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